Ripple, a major Swiss bank, and a U.S.-based blockchain firm, goes beyond cross-border settlement – hinting at a push into digital identity and compliance systems. Outside the U.S., Ripple has been rapidly expanding in Africa and the Middle East via alliances with firms like Chipper Cash and Onafriq. Speculation underscores Ripple’s evolving narrative. The company is no longer seen only as a payments player – but as a possible identity, healthcare, and settlement infrastructure provider with both financial and political ties shaping its future.